Call reports 2018
OAK CREEK VALLEY BANK — 2018
What OAK CREEK VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 81,061,000 | 81,530,000 | 85,081,000 | 85,466,000 |
| Total loans | 50,358,000 | 50,900,000 | 53,813,000 | 52,874,000 |
| Allowance for loan losses | 600,000 | 630,000 | 660,000 | 690,000 |
| Securities available for sale | 23,140,000 | 24,814,000 | 24,900,000 | 26,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,786,000 | 62,573,000 | 60,270,000 | 59,560,000 |
| Interest-bearing deposits | 54,926,000 | 56,274,000 | 54,212,000 | 52,546,000 |
| Noninterest-bearing deposits | 7,860,000 | 6,299,000 | 6,058,000 | 7,014,000 |
| Equity capital | 12,348,000 | 12,819,000 | 12,732,000 | 12,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,752,000 | 2,677,000 | 3,626,000 |
| Interest expense | 145,000 | 307,000 | 495,000 | 704,000 |
| Net interest income | 716,000 | 1,445,000 | 2,182,000 | 2,922,000 |
| Noninterest income | 17,000 | 156,000 | 183,000 | 219,000 |
| Noninterest expense | 448,000 | 917,000 | 1,324,000 | 1,743,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 255,000 | 635,000 | 951,000 | 1,278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 255,000 | 635,000 | 951,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,702,000 | 9,131,000 | 9,493,000 | 9,465,000 |
| Total capital | 9,302,000 | 9,761,000 | 10,153,000 | 10,155,000 |
| Risk-weighted assets | 61,181,000 | 61,342,000 | 65,064,000 | 65,832,000 |